Do You Need Flood Insurance?

When deciding if you need flood insurance, it’s a question of location, location, location.

If flooding is a strong possibility in your community, it is important to make sure you’re protected. Remember, your homeowner’s policy does not cover flood damage. You must purchase a separate policy.

To help you protect your residence or commercial building, Erie Insurance has partnered with American Bankers to offer flood insurance. American Bankers is one of the top flood carriers in the country and has consistently received an excellent rating for financial strength from A.M. Best.

Flood insurance for your home or business is also available through the Federal Emergency Management Agency’s National Flood Insurance Program (NFIP).

Are you in the flood zone?

To find out if your home sits in an area that is prone to flooding, ask your insurance Agent, city planning office or call an NFIP representative at 800-358-9616. If you live in a rural area or one where elevations vary greatly, visit the flood map section of

What’s covered?

While most homeowners insurance is set up to get your home and belongings back to their pre-loss state, flood insurance is designed to simply get you back on your feet — it’s not as comprehensive as most homeowners policies.

Flood insurance doesn’t cover basement improvements like walls, floors or ceilings and personal belongings that are kept in the basement. It does usually cover washers and dryers, food freezers and the food inside. Water tanks, oil tanks, furnaces, stairways, unpainted drywall and sheet rock walls and ceilings are generally covered as well.

The NFIP encourages consumers to get both building and content coverage.

If you do purchase flood insurance, study your policy thoroughly so there will be no surprises. Since it may take some time before a flood insurance payment arrives, it’s a good idea to have some emergency funds available to see you through.

Flood insurance policies have at least a 30-day waiting period before they take effect. Start the process now — before the waters start to rise.

For more information, contact your Erie Insurance Agent or call the NFIP at 1-800-Call-Flood.

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